Technology powered, relationship driven
Portfolio DSCR Loans & Refinance
Review financing for multiple rental properties with Pillar. Compare individual DSCR loans and portfolio structures around cash flow, debt, and your next acquisition.
Business-purpose investment financing. Options are subject to lender and property review.
Make the portfolio work as a whole
A portfolio refinance starts with a property-by-property view: rents, operating costs, existing balances, and maturity dates. One strong rental does not automatically offset a weaker property under every program. Pillar helps compare available capital options and identify which properties belong in the same financing discussion.
Separate loans or a portfolio structure?
Individual loans may give you flexibility to sell or refinance one address. A portfolio structure may simplify the financing, but collateral, release provisions, and prepayment terms need review. Ask your advisor to compare the total cost and future flexibility, not just the monthly payment.
Plan around your next move
If you want equity for another acquisition, distinguish the cash you need from a simple maturity or rate-and-term refinance. Identify properties you expect to sell, loans with prepayment charges, and units that still need stabilization before choosing a structure.
Published completed-deal example
Cincinnati DSCR Portfolio Refinance
Package DSCR refinance: 4-property cash-out refinance of a landlord portfolio into 30-year loans (~$325,000 each).
Funded amount: $1,305,000
Read the completed dealThis past transaction is not an offer or a guarantee of eligibility or similar terms.
Questions before you apply
Will all properties be covered by one loan?
Not necessarily. Separate loans or a portfolio structure may be appropriate, depending on the properties and available lender programs. Confirm collateral and release terms before proceeding.
Can I include a vacant rental?
Vacancy can change eligibility and the income a lender accepts. Identify vacant units early; transitional financing may be a better fit until stabilization.
Explore financing for your investment strategy
Compare property fit, qualification factors, and what to prepare
DSCR rental loans
- Rental purchase
- Rate-and-term refinance
- Cash-out refinance
- Bridge-to-DSCR planning
- Portfolio DSCR Loans & Refinance
- Short-Term Rental & Airbnb DSCR Financing
- DSCR Loans for LLC-Owned Rentals
- DSCR Loans for Duplexes, Triplexes & Fourplexes
- BRRRR Refinance & Hard Money Exit
- Calculate rental DSCR
- Planning guides
Program options by market
Capital options shaped around your deal
Pillar combines technology with advisor-led structuring, reviewing multiple lender and capital options against your property, timeline, and exit plan.
Review my financing optionsNo obligation. Rates and terms require underwriting approval. Read disclosures.